COVER Feature: Access all areas

No longer is ‘access to insurance' just a buzz term for the protection industry. It is steadily becoming a reality. With a DWP-led working group dedicated to the issue and charity-supported industry campaigns aimed at breaking down underwriting barriers, cover is being made available to more people than ever before, including those with a complex medical history.  Back in the ‘80s and ‘90s, for example, due to the potential risk associated with HIV, customers applying for life insurance were asked not only about sexuality but even occupations or lifestyle suggestive of sexuality. Fortuna...